118 Covil Dr, Tryon, NC 28782 Property Records

Polk County property record for 118 Covil Dr, Tryon, NC 28782

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 1,926 sqft · built 2016
Lot Size	3.49 acres (152,024 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Dec 2023)
Tax Bill	$1,776 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P86-208`

Property Details

APN / Parcel Number

Primary APN	`P86-208`
Alternative APN	`53853`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,926 sqft Finished Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Material	Shingle
Lot Area	152,024 sqft (3.49 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	53853
Street Address	118 COVIL DR
City	TRYON
State	NC
Zip	28782-0138
Property Category	Other
Property Type	Other > Other Improved
Legal Description	3.49 AC, 100C 100C COUNTY RURAL
Legal Subdivision	C COUNTY RURAL
Jurisdiction	POLK NC
Township / Civil Division	COLUMBUS
Census Block Group	2
Census Block	2016
Census Tract	920103

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	118 COVIL DR, TRYON, NC 28782-0138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 15, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2023 · Amount on Record
Deed Sale	Dec 22, 2023 · Amount on Record
Prior Sale	Feb 25, 2016 · Amount on Record
Deed Book / Page	482 / 1299
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 22, 2023
Property Address	118 COVIL DR, TRYON, NC 28782-0138
Document Number	00482/1299
Book / Page	482 / 1299
Map Reference	FILE E PG 2560
Instrument Date	Dec 22, 2023
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 COVIL DR, TRYON, NC 28782-0138
Investor	Possibly a Property Investor

Mortgage

Document Number	0004821302
Date	Dec 22, 2023
Instrument	482/1302

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	118 COVIL DR, TRYON, NC 28782-0138
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00449/1149
Date	Jun 15, 2020
Book Page	449/1149

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,776.00	$339,915 (-) Land $72,370 Building $267,545	$339,915 (-) Land $72,370 Building $267,545
2025	$1,776.00 (+27.22%)	$339,915 (+55.05%) Land $72,370 Building $267,545	$339,915 (+55.05%) Land $72,370 Building $267,545
2023	$1,396.00	$219,232 Land $44,920 Building $174,312
2021			$219,232 Land $44,920 Building $174,312

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 8, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · above 76% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Skyrunner Fixed Wireless · Fiber in parts of the area	500 / 250
Windstream DSL	200 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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